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Best Life insurance for 31,32,33,34,35 year old

Life Insurance for a 30-35  Year Old With over 900 + life insurance companies in the market competing for your business, choosing the best policy can be overwhelming.  Couple that with the confusing life insurance terminology it can make many shoppers confused on which way to go.  This article will simplify life insurance, from the difference between term vs. whole life, how much coverage you should have, and how to find the lowest rates-all very quickly.  Term vs. Whole life insurance Deciding on which type of policy you need is very important.  Far too often buyers are persuaded into buying […]

Best Life Insurance Companies for 2016

2016 – Top 10 Life Insurance Companies Life insurance helps you provide for your loved ones in the event of your death.  A life insurance contract can enable you to continue providing for your dependents in the event of your passing.  It can pay off debts, such as a mortgage, cover daily living expenses for your family, provide for your children’s education and well as cover the costs of your funeral.  When navigating through the life insurance buying process, it is important to choose a company that will not only provide you with a low rate but also that will […]

Primerica (Prime America) 2013 review

Primerica (Prime America) Primerica (Prime America) has grown into one of the largest term life insurance companies in the country.  They ranked #7 in the country for ordinary life insurance issued in 2011, according to A.M. Best.  However, when you examine their business model and premium rates, you will find a company who is overpriced and lacking substance in key areas.  As agents, when a prospective client says they have a policy with Primerica, we kind of smile inside.  We know from experience, more often than not we are going to get you a much better rate then you currently […]

$6000,000 Life Insurance Policy Rates

With nearly a thousand life insurance carriers competing for your business, choosing the best one can be overwhelming.  Couple that with the confusing life insurance terminology it can make many shoppers just want to throw up their hands and not want to buy a policy at all.  This post will break everything down for you, from the difference between term vs. whole life, how much coverage you should have, and how to find the lowest rates-all very quickly.  Let’s get started. Term vs. Whole life insurance Deciding on which type of policy you need is very important.  Far too often […]

$750,000 life insurance policy

Find the lowest rates on a $750,000 life insurance policy With over 900 + life insurance companies in the market competing for your business, choosing the best policy can be overwhelming.  Couple that with the confusing life insurance terminology it can make many shoppers just want to throw up their hands and not do anything at all.  This post will break everything down for you, from the difference between term vs. whole life, how much coverage you should have, and how to find the lowest rates-all very quickly.  Let’s get started. Term vs. Whole life insurance Deciding on which type […]

300,000 term life insurance policy

$300,000 Term Life Insurance Policy A $300,000 term life insurance policy lasts for a specific amount of time, a term.  The term period for most companies range from 10, 15, 20, and 30 years.   There is no penalty for cancelling the policy early.   When the term does come to the end you have the option of just letting the policy expire or you can renew the policy annually.  Most people will opt to purchase a new policy at this point if they still need insurance as it will typically be cheaper, unless one has developed a significant health condition. Another […]

Life insurance for Physicians (Doctors)

 Life insurance for Physicians (Doctors) Choosing the right life insurance policy when you are a doctor can be daunting.  You sacrificed so much to get where you are today and now you need to protect it.  But where to begin?  The physicians I work with are typically concerned about protecting their family, business and assets in the event of an unexpected death.  Since most physicians have a greater income and more assets to protect than the average American, choosing the correct amount of coverage the right type of policy is essential. What kind of rate do can you get? Use […]

Post image for How Much Does $2,000,000 (Two Million) Dollars Of Life Insurance Cost?

How Much Does $2,000,000 (Two Million) Dollars Of Life Insurance Cost? It might be difficult to know how much one should pay for life insurance coverage. Nonetheless it is something that you need, because you never know when you will pass away. The sooner you get life insurance the better it will be for you and your family. Protect them from the pain of leaving them with nothing. When you calculate the amount of life insurance you need you should think about immediate and short term needs as well as long term needs. What would fall into the current term […]

Post image for Term Life Insurance 55 Years Of Age & Older

If you are 55 year of age or older, it isn’t too late to get a good rate on term life insurance.  In fact, with new life expectancy and mortality tables, rates have never been lower. Also, if you are age 55 or over, you still may qualify for up to a 30 year level term policy!  I put together a list showing how affordable term life is if you are in good health and over 55. Here are some examples of level term life insurance rates for those 55, 56,57,58,59 years old: Term Life Insurance Rates For a 55 […]

Post image for How Much Does Term Life Insurance Cost For a 40 Year Old Male?

Term Life Insurance Rates 40 Year Old Male Non-smoker By the time you reach your 40’s, most likely will you have a family depending on you.  You have a mortgage, kids and a spouse that all rely on your income.  What would happen if your income were to suddenly stop, how would they live? This is where life insurance helps out.  A good life insurance policy will guarantee that your family is taken care of in the event of your death.  The mortgage, children’s education and college costs are all paid for, and your family can go on without the […]

Post image for $500,000 Term Life Insurance Policy

$500,000 Term Life Insurance Term life insurance is a financial security product that pays out funds in a lump sum upon death of the insured. Despite the importance of term life insurance, amazingly few of us have a term life insurance policy in place.  It is even more surprising when you consider $500,000 of term life can be had for as low as $15 month! Why Do You Need Life Insurance? For folks with a home loan and a family to support, not having a life insurance policy subjects your family to unnecessary risk. This danger becomes apparent when you […]

Post image for How Affordable is $1,000,000 Term Life Insurance Policy?

$1,000,000 Term Life Insurance   When you begin to evaluate your life insurance needs, you will soon realize that the amount of money you would need to replace your income is higher than you anticipated.  Between the amount of money you need to replace your income, pay off debts and cover your children’s education, a $1,000,000 may be exactly what you need.  Use the needs analysis calculator to see how much life insurance you need Is a million dollars’ worth of life insurance going to cost me a lot of money though? Term life insurance is very inexpensive today.  A […]

Post image for Is Term Life Insurance Affordable Over 60?

Can Seniors Still Get Affordable Term Life Insurance Over 60? There are many reasons why someone may need life insurance over the age of 60, whether it is for income replacement, to cover mortgages and loans, or for funeral benefits.   I understand as long as people have families and obligations there is a need for life insurance.  When looking for life insurance over the age of 60, it is vital that you compare rates.  Prices can vary greatly from one company to the next when you are over 60. Get an instant Quote Here are the costs for life insurance […]

Post image for Life Insurance For Seniors Over 70

Life Insurance For Seniors Over 70 (Seventy) Affordable term life insurance rates are still attainable for those who over the age of 70.  It’s important to shop with the correct companies to make sure you find the best rates. What kind of rate can I get? Click here and see instantly Sample Term Life Insurance Rates for Seniors over 70 $100k 10-year level term policy for a 70 year old female, non-smoker at the Preferred Rating class=$69.83 month with Transamerica.  A+ rated company with A.M. Best $100k 10-year level term policy for a 75 year old female, non-smoker at the […]

Life Insurance Over 50

by Scott G on December 4, 2012

life insurance over 50

Life Insurance Over 50 Life insurance rates are still at all-time lows, which is great news for people over 50 years old age looking to secure a policy. Click here to see what rates you qualify for Sample Life Insurance Premiums Over 50+ $250k 10-year level term for a 50 year old male, non-smoker at the Preferred Plus rate class =$24.36 month with Savings Bank Life Insurance Co of MA.  Rated A+ by A.M. Best $250k 10-year level term for a 55 year old male, non-smoker at the Preferred Plus rating class=$39.45 month with Protective Life Insurance Company. Rated A+ […]

Post image for 20-Year Term vs. 30-Year Term-Which One To Choose?

20-Year Term vs 30-Year Term Life Insurance I recently had a client who was deciding between a 20-year level term and a 30-year level term policy.  He was in his late 30’s, married, 2 young children with 28 years left on the mortgage.  He ultimately chose the 30 year term, and now he’s was very happy knowing his young family will be protected for the next 30 years.  Choosing the correct term is going to come down to answering the right questions and on how much more money you want to spend on a policy. Check the rates today! Here […]

Life Insurance 2012-2013---Which Compaines Are Offering The Best Rates

Every life insurance shopper is trying to find the best policy at the lowest price.  Unfortunately, too many life insurance consumers are currently paying much more for their life insurance policy than they need to.  A common theme I see when talking to people about life insurance is that they only contact one or two companies, and thus end up overpaying for a policy.  Countless Americans can either pay less money per month on their current policy or acquire much more coverage for the same price that they are paying now. Let’s look at an example using State Farm.  According […]

Post image for Everyone Can Now See the Published Life Insurance Rates For Their Age & Rating Class Online

No-Hassle Life Insurance Quotes Life insurance shoppers can now instantly view and easily compare life insurance rates from the nation’s top companies with this life insurance quoting tool. It’s really unfortunate that so many consumers pay a lot more for their life insurance policy than they need to. With this life insurance quoting system, everyone can instantly compare the published rates from the country’s major life insurance carriers and save money! View the Published Rates